Using IUL for Infinite Banking offers the “potential” for better long-term growth & immediate positive arbitrage on borrowing. However, using Indexed Universal Life for IBC also adds additional risk for the policyholder.
The pros and cons of IUL are often sensationalized and exaggerated by both promoters and haters. We take a deep educational dive into IUL’s good and bad qualities as well as who should buy Indexed Universal Life insurance.
Comparing IUL vs. Whole Life seems like it would be a simple task, but oftentimes you’re comparing apples to oranges. Below we categorize the various benefits of Whole Life vs. IUL so you can see which product has an advantage and where they are equal.
Unlock the potential of your home’s equity with a Home Equity Line of Credit (HELOC). Explore the benefits and risks associated with using a HELOC as a wealth-building tool, including insights on managing variable interest rates, understanding market fluctuations, and effective financial planning. Learn how to navigate the complexities of HELOCs and make informed decisions to secure your financial future.
IUL is meant to complement not replace your retirement portfolio. Its protected growth & tax-exemption make IUL an ideal retirement buffer.
IUL isn’t an investment at all, it’s an insurance product. But, it does have unique growth, risk, liquidity, and tax characteristics that can help bolster a traditional retirement portfolio.
Comparing IUL to a 401(k) plan is comparing apples-to-oranges in terms of their risk, how they’re taxed, and liquidity available before age 59.5.
Actuarial Guideline 49 has been bolted onto and re-stitched to the point where it’s degenerated into a grotesque monster with a life of its own.
Like the road to hell, AG49’s original path was paved with good intentions. Its stated aim was to alleviate confusion by creating uniformity among IUL illustrations plus additional disclosures to aid in consumer understanding.
Read our reviews on the best-performing IUL carriers. Understand the company criteria, product features, and policy riders that make these top insurance companies that offer the top-performing Indexed Universal Life policies available today for tax-free retirement income and wealth building.
This video takes a deep dive into Indexed Universal Life (IUL) and its internal fees. It examines year by year what these fees work out to be and refutes the common claim that IUL is expensive.
This video compares and contrasts the cost/benefit paradigm of Indexed Universal Life (IUL) to that of a hedge fund. This comparison takes into account fees, risk management, taxes, and additional benefits.
This video explores the common criticisms of IUL and why Universal Life Insurance often gets a bad rap from the financial media & competing offerings in the financial sector. Better understand IUL’s fees & charges, taxation of Indexed Universal Life, and how IUL’s growth mechanisms work.
People often delay when it comes to starting a life insurance policy, or they start with a smaller policy to get comfortable with it. What they don’t realize is how much future income they’re costing themselves by waiting. See the time value of money effect in this 3-minute video.
This video explores Indexed Universal Life’s full range of flexibility. Whether you need to lower premiums, delay all premiums, or max fund for longer than you hoped, this video will show you how IUL behaves with a particular case study.
This video looks all the way back to the year 1900 to see how market movements over different periods could have affected Indexed Universal Life insurance. We also specifically reference an 81-year study of the S&P Index to see how capped and uncapped IUL strategies would have both performed.
This case study revisits the age-old argument of whether to buy term insurance and invest the difference, or to bundle both into IUL for a 61-year old business owner.
What if you planned on max-funding your Indexed Universal Life policy, but then hit some financial bumps in the road? Don’t worry, you can always pay less than you intended with IUL. This video shows how to optimize your Indexed Universal Life policy so that you wouldn’t be negatively impacted.
What if you don’t pay your IUL premium on time? What if you planned on max-funding, but then hit some financial bumps in the road? Don’t worry, you can always pump in those premiums later on. This video shows how your Indexed Universal Life policy would be impacted if you did.
See how our new Banking Calculator analyzes an infinite banking case study with a recent Indexed Universal Life (IUL) policy. Compare banking w/ IUL vs. saving & paying cash while stress testing different rates of return, tax rates, lower indexed crediting assumptions, and different indexed and variable loan rates.
This video answers the age-old question of whether you get both the cash value and the death benefit from a life insurance policy when you die, or just the cash value. The truth of the matter is, you get to choose whether you want both or not. Life insurance is similar to everything else in life, you get what you pay for.
Hope you enjoy the loads of content above explaining how private banking & retirement strategies work with properly-structured life insurance.
Whether you’re looking for the high-level concepts or the focus details in various case studies we got you covered.
For those ready to take their learning to the next level you can book your own complimentary no-pressure consult here to have your questions answered and your own personalized case study modeled out. We find the light-bulb finally goes on once clients see the concept through their own numbers.